Kevin , you better check on that, state farm does NOT cover the driver on a bike . I've got full coverage with them also. In fact its hard to find insurance that covers you and the bike. If yours does let me know your agents name .
Full Coverage or not..
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Kevin , you better check on that, state farm does NOT cover the driver on a bike . I've got full coverage with them also. In fact its hard to find insurance that covers you and the bike. If yours does let me know your agents name .
Kevin , you better check on that, state farm does NOT cover the driver on a bike . I've got full coverage with them also. In fact its hard to find insurance that covers you and the bike. If yours does let me know your agents name .
Kevin , you better check on that, state farm does NOT cover the driver on a bike . I've got full coverage with them also. In fact its hard to find insurance that covers you and the bike. If yours does let me know your agents name .
I agree. I've got comprehensive but not collision. I'm 58 and they wanted 1100 just for the collision. That adds up pretty quick as the bike depreciates. Besides, if I really tear it up, my wife will say "Oh, alright, stop whining and buy another one!"
The day I rolled out of the " stealership" it was fully cover'd...since then I went to .. Liability, (Un-insurered motorist) <- a Cali must.. and Theft.. its still not cheap ...been ridin for 34 yrs .. no tickets since 81 .. im over 25 ... with kids ...wtf. 
Not in Texas. At 47, with no tickets or accidents, it's around $1000/yr.
I also found that when you drop collision, they jack up the other rates a bit, but it's still worth saving a few hundred bucks!
Wow that still way too much. Farmers insurance I pay $68.00 a month for full with med. on it. Progressive has no love for our bikes.I'm very surprised at some of your answers boys.
I'll explain : Now if you are financing your bike or it's a full custom worth $20K or more then this doesnt apply but most of our busa's have a value of $10K or under and to insure an item where you pay aprox 1/10 or more of the cost of a newbike, per year, is outrageous! It's like paying $3500 per year for most of your suv's out there. I have comprehensive for fire, theft and vandalism only. Company is progressive and price is under $250 per year. I was quoted aprox $1500.00 per year for full coverage. I have ridden my busa for allmost 4 years without a claim. Had I fully insured her I would have spent approx $6K by now on a bike that has a market value of about $7000.00 Insurance is a funny thing you have to know when you should turn to self insure. With insurance you are essentialy betting your going to have a claim and the insurance co. is betting you arent and if you do your rates will probly go up on top of that. If you were to take the extra $1000+ per year and invest it you would maybe have enough to buy a new bike in a few years.
With my busa I felt "smart money" was to self insure and the only way to go, I also knew that it is a popular bike to steal so i went with theft coverage and they thru in fire protection. I also felt if I was unlucky to be hit by someone else most other insurances would cover my bike and if I was stupid enough to crash from my own stupidity ( which happened back in Sept ...) then I would have to eat it.
So from a strictly $ vs. averages viewpoint most any vehicle worth under $10K is not worth having comprhensive / collision / full coverage.
... my 2 cents and then some.
ps. I am talking busa coverage only, I have a ton of "other" ins. Health $440 per month, life $1mil, home owners, auto, biz, umbrella ... it goes on and on ... I feel ins. poor
Full coverage for both my bike and my car = $170/month. State Farm is quite rockful.
And I've got full coverage for both the bike and the medical (I actually have some supplemental medical included in my $170)
And I've got full coverage for both the bike and the medical (I actually have some supplemental medical included in my $170)
I could not even get full coverage down here. And I'm 47 with a perfect driving record and all the motorcycle courses offered. So I just have Liability. This is the law suite capitol of the entire US. Really, more law suites filed here per capita than any where else in the Country.
David
David
that is absolute total bullsh#t! they can't issue policies by driving history? f-ing politicians! can't stand them, never have and never will. sorry to hear bro. you would think at your age there would be some flexibility as opposed to a 20 year old.
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